Colorado Federal Savings Bank
Last Updated: 6/20/2025
Note: Interest rates below are reported as APY, or Annual Percentage YieldQuick Views
Premier Savings: 4.25% APY(Rank 24 out of 74 tracked HYSAs)
Minimum Deposit: $50,000 | Online Only
High Yield Savings: 4.20% APY(Rank 32 out of 74 tracked HYSAs)
Minimum Deposit: $1 | Online Only
National Savings Interest Rate: 0.42% (as of 5/19/2025)
Note: The FDIC tracks savings and CD rates nationally, but it does not report APY, only the average interest rate.
(Source: FDIC)Bank Overview
Location: Greenwood Village, Colorado
Founded: 1990
Access to Branches: None
BBB Rating: A+ (Not BBB Accredited)
App Store Rating: 4.6/5
Google Play Rating: N/A
Website: Visit Colorado Federal Savings Bank
Our Take on Colorado Federal Savings Bank
Highlights
- High Yield Savings offers 4.20% APY with no maintenance fees.
- Premier Savings provides a competitive 4.25% APY for high deposits.
- A+ BBB rating indicates strong trustworthiness.
- App Store rating is 4.6, suggesting user satisfaction.
Considerations
- Both accounts require a minimum deposit to open.
- No physical branches available for in-person banking.
- Not BBB Accredited, which may concern some customers.
- Direct deposit is not required, but may limit options.
Summary: Colorado Federal Savings Bank offers two high-yield savings accounts with competitive APYs of 4.20% and 4.25%. Both accounts have no maintenance fees but require minimum deposits of $1 and $50,000, respectively. The bank has an A+ BBB rating, though it is not accredited, and lacks physical branches. The mobile app has a solid rating of 4.6, indicating good customer satisfaction.
Savings Accounts
Savings Accounts Offered by Colorado Federal Savings Bank
| Feature | High Yield Savings | Premier Savings |
|---|---|---|
| APY | 4.20% (as of 6/20/2025) | 4.25% (as of 6/20/2025) |
| APY Trend | Stable for the last month | Stable for the last month |
| Minimum Deposit | $1 | $50,000 |
| Minimum Balance for APY | $1 | $50,000 |
| FDIC-insured | Yes | Yes |
| Online Only | Yes | Yes |
| Bundled Account | No | No |
| Direct Deposit Required | No | No |
| Compound Frequency | Daily | Daily |
| Maintenance Fee | $0 | $0 |
| Eligibility | United States | United States |
No deposit agreement summary available for this bank. | ||
Calculate Savings for Colorado Federal Savings Bank
All calculations are based on APY.
Deposit Frequency:
Total savings breakdown:
- Interest earned: $2,125 (4.08%)
- Total contributions: $0 (0.00%)
- Initial deposit: $50,000 (95.92%)
Your total balance
$52,125.00
Effective APY: 4.25% (based on your deposit and contributions)
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Colorado Federal Savings Bank Savings Rates Over Time
Historical APY Insights
| Metric | Premier Savings | High Yield Savings |
|---|---|---|
| Latest APY | 4.25 % | 4.20 % |
| Trend | Sideways | Sideways |
| Slope (bps/mo) | 0.0 | -0.0 |
| Rate Changes / Mo | 0.00 | 0.49 |
| Days Since Last Change | 123 | 72 |
| High (-4 m) | 4.25 % | 4.25 % |
| Low (-4 m) | 4.25 % | 4.20 % |
| Draw-down from High | 0.0 % | -1.2 % |
| Volatility (CV) | 0.000 | 0.002 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 4 months (regression slope).
- Slope (bps/mo)
- Average monthly change; 10 bps = 0.10 pp.
- Rate Changes / Mo
- Typical number of APY moves per month.
- Days Since Last Change
- Recency of the latest APY adjustment.
- High (-4 m)
- Highest APY in the last 123 days.
- Low (-4 m)
- Lowest APY in the last 123 days.
- Draw-down from High
- How far today sits below the 4-month peak.
- Volatility (CV)
- Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
- See how quickly a bank reacts to Fed moves or competition.
- Gauge “twitchiness” - frequent moves can annoy savers.
- Spot if you're buying near a peak (draw-down) or riding a rise.
- Slope (bps/mo) shows speed of change.
- Volatility (CV) scales jumps by average level.
Compare Colorado Federal Savings Bank's Savings Accounts
- Affirm - 3.85% APY
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- Synchrony Bank - 3.80% APY
- TAB Bank - 4.26% APY
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- TIMBR - 4.40% APY
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- Upgrade - 4.02% APY
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| Feature | Colorado Federal Savings Bank | Select a bank... |
|---|---|---|
| Product | N/A | |
| APY | 4.25% (as of 6/20/2025) | N/A |
| Bundled Account | No | N/A |
| FDIC-insured | Yes | N/A |
| Online Only | Yes | N/A |
| Compound Frequency | Daily | N/A |
| Minimum Deposit | $50,000 | N/A |
| Minimum Balance for APY | $50,000 | N/A |
| Maintenance Fee | $0 | N/A |
| Direct Deposit Required | No | N/A |